If they do in fact freeze solid, I expect their chance of survival will be slim. If they experience a bit of freezing temperatures here and their, but the majority of the root mass does not freeze, then even if the tops die back they might survive. Although, like Scot says, new cuttings are more delicate. If you don't have a garage, and you really care about your fig trees, then rent a small storage space for $50/month to see them through the heart of the winter. They will only need watering once or twice, most likely, if they are kept at 40 degrees.
As far as potting up, I don't see any disadvantage of up-potting at any time, even the end of the growing season. Usually I up-pot before they get totally root bound, and the roots start circling, so I just plop them into a larger pot, without disturbing the roots too much. In my opinion, the only time you need to take care when up-potting is if you are going to trim the roots or otherwise disturb them.